I remember when my children were young and we counted every single cent of our money and hubby would do 'extra' work to get us by. We had four boys between us, a mortgage and one income. Money was tight and yet somehow we always managed to get by.
That's not to say there weren't days when a simple thing like a prescription for antibiotics for one of my boys had me in tears and wondering where I could pull money from to pay for it.
These days we have two incomes, more money and still we are not well off. I still hate budgeting. Numbers, maths, spending ugh! Now if budgeting could be done in words and sentences then I'd be wealthy and budgeting like a star.
My boys are not the best budgeters either, okay seriously, they got their sucky budgeting skills from me. The oldest couldn't save a cent to help himself and owes way too much money (to us and his father), the middle son is better but still spends money on crap. He does however have money in the bank (only because he doesn't get it all each week and is reasonably happy 99% of the time for us to maintain it) Youngest is the best but still has splurges, he's at least happy to work to earn extra for the things he wants.
Me, I like clothes and books. Hubby, he likes any sort of machinery or tool and is quite partial to beer. We gave up smoking almost 12 months ago, we should have a swag more money - we don't. We also like big cook ups of vast amounts of food with friends and family - I think it's my hubby's ethnic blood. His family lurve to feed people, I think it's a sign of honour. But then so do mine and we're not ethnic, so, so much for that theory.
Anyway as a rule, I don't visit financial web sites or blogs. To me anything to do with numbers is akin to chinese water torture. Being an accountant or financial advisor must be the worst job in the world - are you getting that I really don't like numbers yet?
But......(there's always a but) I found this website yesterday and I got just a little bit excited. A personal financial blog (kinda) and it had lots of useful tips and articles and ideas - and yay, very few numbers. It was even interesting to read, pause here for a moment of significant realisation that blogs about budgeting can be interesting..
It's worth having a peek at and I'm planning on following some of the advice and ideas I discovered. I think I might even make subliminal tapes to play the messages to my children in their sleep. That way they'll be wealthy when I'm old and decrepit and they can repay the thousands that they surely owe us.
In all honesty, I'm not endeavouring to be rich in wealth because based on this reality check below, I already am. I'm also rich in love and support and family which out weighs any cash in our bank account. At the same time it can't hurt to budget and have financial goals just as I have life goals. After all, it's about balance and being the best me I can be.
If you're really good at the money thing, I'd rather not know, but if you suck at budgeting like me, I'd love to hear your comments.